Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.4.
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Good (5.4) profitability. Good liquidity 5.3, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 9.3 percent.
Asset Mix:
Consumer loans (16%), home mtgs (15%), securities (4%), comm loans (3%), other (61%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
160 East College Street
Covina, CA 91723
Covina, CA 91723
Phone Number
(626) 974-4447
NCUA Charter Number
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